Support in Tough Times: Terminal Illness

Terminal Illness Cover: Understanding and Claiming

Receiving a terminal illness diagnosis is one of life’s most challenging experiences. During such a difficult time, financial support can help alleviate stress and allow you to focus on what matters most. Many Australians are unaware that their superannuation may include terminal illness cover, providing access to vital funds.

At Claimsplus Lawyers, we specialise in helping individuals discover their entitlements and guide them through the claims process with compassion and expertise.

What Is Terminal Illness Cover?

Terminal Illness Cover, often included in superannuation policies, provides a lump-sum payment if you are diagnosed with a terminal condition and have a life expectancy of less than 24 months. This benefit is designed to provide financial relief, ensuring you can:

• Cover medical expenses and treatments.
• Pay off debts, including mortgages or personal loans.
• Manage regular household bills.
• Spend quality time with loved ones without financial stress.

The funds give you greater control and peace of mind during an incredibly challenging time.

Who Can Make a Claim?

Eligibility for a terminal illness claim depends on meeting specific criteria outlined in your superannuation policy.

Key Requirements for a Terminal Illness Claim:

• Diagnosis:
  You must have a medical diagnosis of a terminal condition with a life expectancy of 24 months or less. This diagnosis must be certified by two medical practitioners, one of whom should specialise in your area of illness.

• Policy Compliance:
  Your claim must align with the terms and conditions of your superannuation policy. Each fund has unique requirements, so understanding your policy is essential.

How Claimsplus Lawyers Can Help

Navigating terminal illness claims can be complex, especially with varying rules across superannuation funds. Claimsplus Lawyers is here to make the process as straightforward and stress-free as possible.

Our Support Includes:

• Policy Interpretation: We help you understand your policy and eligibility requirements for terminal illness cover.
• Document Assistance: Our team assists in gathering and submitting medical evidence, including the required certifications from medical professionals.
• Claims Management: From lodging the claim to managing fund communications, we handle the entire process so you can focus on your well-being.
• Compassionate Guidance: Our experts provide clear, empathetic support tailored to your unique situation.

With our expertise, you can feel confident that your claim is being handled with care and professionalism.

Why Make a Terminal Illness Claim?

Claiming terminal illness benefits does more than provide financial relief. It empowers you to focus on what matters most.

Key Benefits of a Terminal Illness Claim:

• Medical Expenses: Access funds to ensure you receive quality care and treatment.
• Debt Relief: Pay off outstanding debts, such as mortgages or credit cards, to ease financial stress.
• Managing Bills: Maintain household stability by covering everyday expenses.
• Family Support: Spend valuable time with loved ones without the worry of financial burdens.

Making a terminal illness claim can provide you with the peace of mind and financial security needed to navigate this challenging time.

Frequently Asked Questions

What documents do I need to make a terminal illness claim?
You’ll need medical certifications from two practitioners (one specialist), identification, and any additional documents required by your superannuation fund.

How long does the claims process take?
Processing times vary depending on the fund and the complexity of the claim. Claimsplus Lawyers ensures all submissions are timely and accurate to minimise delays.

Does making a terminal illness claim affect other benefits?
Claiming terminal illness cover may impact associated benefits, such as Total and Permanent Disability (TPD) insurance or life insurance within your superannuation. Our team will help you understand these implications.

Contact Claimsplus Lawyers Today

For expert guidance on superannuation claims and entitlements, contact us today:

Let us help you navigate your super claims and secure the financial support you deserve.

Disclaimer: This website’s content is general in nature and should not be taken as legal advice. For more information, please refer to our Privacy Policy and Terms of Service. Liability limited by a scheme under the Professional Standards Legislation.